Reliance Home Finance Ltd

Reliance Home Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Reliance Home Finance Ltd

₹ 1.85 0.00%
27 Sep - close price
reliancehomefinance.com BSE: 540709 NSE - BE : RHFL
About

Incorporated in 2008, Reliance Home Finance Ltd is in housing finance business[1]

Key Points

Business Overview:[1]
Company is promoted by Reliance Capital Limited (RCL) which is a part of the ADAG (Anil Dhirubhai Ambani Group) and holds ** 47.91%** stake in the company. RHFL is registered as housing finance company with National Housing Bank without accepting public deposits and is engaged in mortgaged based lending operations

Website BSE NSE - BE
  • Market Cap ₹ 89.3 Cr.
  • Current Price ₹ 1.85
  • High / Low ₹ 4.14 / 1.61
  • Stock P/E 0.02
  • Book Value ₹ -1.52
  • Dividend Yield 0.00 %
  • ROCE 258 %
  • ROE %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Company has delivered good profit growth of 102% CAGR over last 5 years

Cons

  • Promoter holding has decreased over last quarter: -5.03%
  • The company has delivered a poor sales growth of -25.3% over past five years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance - Housing

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Quarterly Results

Figures in Rs. Crores

Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023
243.84 245.64 173.96 139.83 129.50 69.66 75.65 15.88 93.63 72.27 140.77 75.50 0.12
178.97 821.06 387.83 533.26 292.10 226.77 216.09 6,067.77 44.76 44.91 37.06 -9,059.62 -6.05
Operating Profit 64.87 -575.42 -213.87 -393.43 -162.60 -157.11 -140.44 -6,051.89 48.87 27.36 103.71 9,135.12 6.17
OPM % 26.60% -234.25% -122.94% -281.36% -125.56% -225.54% -185.64% -38,110.14% 52.19% 37.86% 73.67% 12,099.50% 5,141.67%
0.75 13.47 0.70 22.25 1.18 1.10 0.07 0.47 0.13 6.02 0.00 -274.14 0.26
Interest 309.26 307.63 300.58 302.10 273.68 274.52 325.85 311.04 251.77 272.19 266.63 -759.27 0.00
Depreciation 0.81 0.73 0.56 0.54 0.54 0.53 0.53 210.49 0.51 0.49 0.48 0.48 0.00
Profit before tax -244.45 -870.31 -514.31 -673.82 -435.64 -431.06 -466.75 -6,572.95 -203.28 -239.30 -163.40 9,619.77 6.43
Tax % 34.00% 34.00% 33.98% 34.02% 34.00% 34.00% 26.00% 31.20% 31.20% 31.20% -52.53% 37.92% 0.00%
-161.34 -574.41 -339.55 -444.62 -287.53 -284.49 -345.39 -4,522.19 -139.86 -164.64 -249.23 5,972.31 6.43
EPS in Rs -3.33 -11.84 -7.00 -9.17 -5.93 -5.87 -7.12 -93.23 -2.88 -3.39 -5.14 123.13 0.13
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
339 361 429 512 815 1,114 1,683 2,000 1,600 840 293 391 289
67 65 86 90 142 235 373 575 829 1,920 6,802 -8,933 -8,984
Operating Profit 272 296 342 423 673 879 1,311 1,425 771 -1,081 -6,509 9,324 9,272
OPM % 80% 82% 80% 82% 83% 79% 78% 71% 48% -129% -2,220% 2,384% 3,212%
0 0 1 0 0 15 0 2 2 0 0 -277 -268
Interest 233 254 277 317 536 749 1,062 1,323 1,337 1,220 1,185 32 -220
Depreciation 0 0 0 0 1 7 2 3 4 3 212 2 1
Profit before tax 40 42 66 106 137 138 247 102 -567 -2,303 -7,906 9,014 9,224
Tax % 33% 35% 34% 35% 37% -25% 32% 34% 34% 34% 31% 40%
26 27 43 69 87 173 167 67 -375 -1,520 -5,440 5,419 5,565
EPS in Rs 4.18 6.59 10.49 13.18 14.90 3.45 1.39 -7.74 -31.33 -112.14 111.71 114.73
Dividend Payout % 0% 0% 0% 0% 0% 3% 29% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 1%
5 Years: -25%
3 Years: -37%
TTM: 13%
Compounded Profit Growth
10 Years: 70%
5 Years: 102%
3 Years: 157%
TTM: 208%
Stock Price CAGR
10 Years: %
5 Years: -48%
3 Years: 3%
1 Year: -53%
Return on Equity
10 Years: %
5 Years: %
3 Years: %
Last Year: %

Balance Sheet

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
33 66 66 66 66 116 485 485 485 485 485 485
Reserves 361 355 398 468 554 1,014 1,339 1,357 982 -538 -5,977 -559
1,887 1,940 2,377 3,640 6,548 9,670 13,136 15,699 13,235 12,976 12,714 87
294 593 904 1,385 525 547 447 585 1,027 1,975 2,922 22
Total Liabilities 2,572 2,954 3,745 5,557 7,694 11,347 15,408 18,125 15,729 14,898 10,144 35
0 0 0 39 44 68 264 266 262 259 48 0
CWIP 0 0 0 0 0 0 2 0 1 0 0 0
Investments 39 14 320 0 80 508 54 93 951 1,007 161 0
2,533 2,939 3,425 5,518 7,569 10,771 15,087 17,766 14,516 13,631 9,936 35
Total Assets 2,572 2,954 3,745 5,557 7,694 11,347 15,408 18,125 15,729 14,898 10,144 35

Cash Flows

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
69 -2 412 -179 433 -3,296 -3,507 -1,189 4,713 3,068 -597 4,103
-53 23 -282 293 -72 -355 496 -55 -856 -1,560 848 -105
25 -0 0 0 0 3,227 2,818 1,291 -3,927 -1,374 -367 -4,035
Net Cash Flow 41 21 130 114 362 -425 -194 47 -70 135 -116 -37

Ratios

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Debtor Days 0 0 0 0 0 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 0 0 0 0 0 0 0
Working Capital Days -165 -288 -314 -422 -361 -261 -24 33 -139 -682 -3,301 -4
ROCE % 11% 13% 13% 12% 12% 10% 10% 9% 5% -8% -67% 258%

Shareholding Pattern

Numbers in percentages

115 Recently
Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023
49.58% 49.58% 49.58% 49.58% 49.58% 49.58% 49.58% 48.78% 48.64% 48.64% 48.64% 43.61%
2.04% 2.04% 2.04% 2.39% 2.39% 2.19% 2.19% 2.19% 2.19% 2.19% 2.19% 0.39%
1.77% 1.76% 1.76% 1.56% 1.56% 1.56% 1.56% 1.56% 1.55% 1.55% 1.55% 1.55%
0.02% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
46.60% 46.61% 46.61% 46.46% 46.46% 46.67% 46.67% 47.46% 47.60% 47.61% 47.60% 54.44%
No. of Shareholders 8,46,0598,39,6608,35,2368,43,7728,44,9058,47,9488,53,2158,52,8148,60,4948,54,2628,52,4518,54,351

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

Credit ratings

Concalls

  • Feb 2019
    Transcript
    Notes
    PPT
  • Nov 2018
    Transcript
    Notes
    PPT
  • Sep 2018
    Transcript
    Notes
    PPT
  • Apr 2018
    Transcript
    Notes
    PPT
  • Feb 2018
    Transcript
    Notes
    PPT